Most Medicare Advantage members pay $0 monthly to the plan. Many include dental, vision, hearing, OTC, grocery allowances, and Part D drug coverage. Talk to a licensed agent to see what's available in your ZIP.
Specifics depend on the carrier and your ZIP. The agent confirms exactly what each plan offers before you decide anything.
Covered cleanings, glasses, and hearing aids. Original Medicare typically does not include these.
Quarterly allowance on a card you swipe at participating retailers for over-the-counter items and qualified groceries.
Most MA plans bundle Part D. Insulin capped at $35/month. Total Part D out-of-pocket capped at $2,000 per year (2025 IRA cap, continues 2026).
Annual maximum on what you can pay out-of-pocket for in-network medical care. Original Medicare has no such cap.
You don't always have to wait for the Annual Enrollment Period (October 15 to December 7). Special Enrollment Periods (SEPs) let many people enroll outside that window.
Initial Enrollment Period starts 3 months before your 65th birthday month and ends 3 months after.
If you've moved out of your plan's service area, you have an SEP that lets you switch.
Dual eligibles and those with Extra Help (LIS) can change plans monthly under the new 2025 rules.
If you've been on SSDI for 24 months, you have full Medicare access and may qualify for Special Needs Plans.
A licensed Medicare insurance agent will walk you through the plans available in your area, confirm whether your doctors are in-network, and answer your questions. The call typically takes 5 to 10 minutes.
Medicare Advantage carriers receive a per-member capitated payment from CMS. That payment lets many carriers offer plans with no additional monthly premium beyond the Part B premium you already pay to Medicare. You're not getting "free" coverage, you're getting bundled coverage funded primarily by the federal payment.
No. Policy Joe is a privately operated, licensed insurance marketplace. We are not affiliated with, endorsed by, or operated by Medicare, CMS, or any government agency. The official Medicare site is Medicare.gov.
Networks vary by plan. Before you enroll, the licensed agent verifies whether your current doctors and preferred hospitals are in-network for the plans being considered.
Yes, if you qualify for a Special Enrollment Period. SEPs cover turning 65, moving, losing employer coverage, qualifying for Medicaid or Extra Help, and several other situations. The agent confirms your SEP eligibility on the call.
Nothing. Carriers pay licensed agents and their marketing partners when a member enrolls in a plan. Your premium is identical whether you enroll through us, the carrier directly, Medicare.gov, or 1-800-MEDICARE.